Houses in rural areas can be mortgaged. Homestead land cannot be used as mortgage, but legally self-built houses can. Because the current laws in our country clearly stipulate that the right to use homestead land cannot be mortgaged. Land ownership; the use rights of collectively owned land such as homesteads, private plots, private plots, etc. shall not be mortgaged. Mortgage loan refers to a way for a loan applicant to obtain a loan from a bank or other institution or individual by using a property owned by himself or a third party as collateral. To apply for a mortgage loan from a bank or other financial institution, you need to provide a stable source of income. And there must be a clear purpose for the loan, and it cannot be used for things that are expressly prohibited by law.